Houston, TX · Charter 61936
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.18% | 0.17% | -2.17% | -0.91% | -107 bps | |
| Return on Equity | 1.46% | 1.67% | 1.66% | -22.31% | -9.52% | -1,099 bps | |
| Net Interest Margin | 3.53% | 3.47% | 3.39% | 3.39% | 3.62% | +8 bps | |
| Efficiency Ratio | 84.38% | 84.88% | 84.25% | 96.93% | 88.32% | +395 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.63% | 1.55% | 3.36% | 3.20% | 3.06% | +243 bps | |
| Loan Growth (YoY) | 3.56% | 3.62% | 0.76% | 4.19% | 4.02% | +46 bps | |
| Share Growth (YoY) | 0.58% | 2.21% | 4.99% | 4.94% | 4.88% | +431 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 1.01% | 1.06% | 0.65% | 0.64% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.48% | 10.50% | 10.25% | 9.73% | 9.59% | -89 bps | |
| Net Worth / Assets | 10.48% | 10.50% | 10.25% | 9.73% | 9.59% | -89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.02% | 91.58% | 87.25% | 89.38% | 94.24% | -78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |